How to get a American Express bank statement
- Sign in to americanexpress.com and open the card account.
- Click Statements & Activity, then Download.
- Choose CSV or PDF and a date range.
- Upload the file to Karchu.
What is a American Express bank statement
A American Express bank statement is the official record of every transaction posted to your American Express account during a given period, along with the opening and closing balance. It is the same document your lender, landlord, or accountant will ask for when they need proof of income, proof of address, or documentation for a bank statement loan or mortgage. A American Express statement typically covers one month, but you can export any custom date range from online banking.
What Karchu does with your American Express data
Once the file is uploaded, Karchu extracts every transaction, normalizes the columns, and applies rule-based categorization. You see a dashboard within seconds with total income and expenses, category breakdown, top merchants, recurring subscriptions, and any anomalies worth a second look. Every categorization is explainable, so if a transaction lands in the wrong bucket you can open the rule that decided it and edit it once. The change applies retroactively across every American Express statement you upload.
American Express statement to Excel and CSV
Karchu works as a American Express PDF to Excel converter and a American Express statement to CSV converter. Upload a scanned or digital PDF and download a clean spreadsheet with dates, descriptions, amounts, and categories in separate columns, ready for QuickBooks, Xero, or your own workbook. There is no signup required to try a single statement, no bank login, and no aggregator like Plaid.
American Express export notes
Amex CSVs use negative numbers for charges and positive for payments. Karchu normalizes the sign to match how the rest of your accounts read.
Common uses for a American Express statement analyzer
- Preparing 3 month or 6 month bank statements for a mortgage or bank statement loan application.
- Using a American Express statement as proof of address or proof of income.
- Reconciling a American Express account against a business ledger or a personal budget.
- Separating business and personal expenses from a single American Express account.
- Tracking recurring subscriptions and finding forgotten charges.
- Building a monthly cash flow view from raw American Express transactions.
Privacy for American Express statements
Karchu never asks for your American Express online banking password and never uses a bank aggregator. CSV and Excel files are parsed in your browser before anything is saved. Saved data lives in a private workspace protected by row-level security. See the security page for details.
Frequently asked questions about American Express statements
How do I get a American Express bank statement online?
Sign in to American Express online banking, open the account, choose Statements or Export, pick a date range, and download the PDF, CSV, or Excel file. The exact steps for American Express are listed on this page.
Is a American Express bank statement proof of address?
Yes. Most landlords, government agencies, and lenders accept a recent American Express statement dated within the last three months as proof of address, as long as it shows your full name and current address.
What does a American Express bank statement look like?
A American Express statement includes a header with your name, address, account number, and statement period, followed by a transaction table with date, description, amount, and running balance, and a summary of opening and closing balance plus total credits and debits.
Can I use a American Express statement for a mortgage or bank statement loan?
Yes. Bank statement loans use 12 to 24 months of American Express statements to verify income for self-employed borrowers. Karchu can summarize deposits, average monthly income, and recurring expenses across a full set of American Express statements in one view.
Does Karchu need my American Express online banking password?
No. Karchu never asks for your American Express login and does not use a bank aggregator. You upload the statement file directly and Karchu parses it locally in your browser before anything is saved.
Can Karchu convert a American Express PDF statement to Excel or CSV?
Yes. Upload any American Express PDF, scanned or digital, and Karchu returns a clean spreadsheet with date, description, amount, and category columns ready for Excel, Google Sheets, QuickBooks, or Xero.